Updated 20 October 2026
Stima DT Sacco, the deposit-taking Sacco that grew out of Kenya’s electricity sector, paid members a 16% dividend on share capital and 11% interest on deposits for the year ended 31 December 2025. Delegates approved the payout at the Sacco’s 52nd annual general meeting in March 2026. Use the calculator below to estimate what your own Alpha deposits and shares would earn at those rates.
Rates are what was last published, gross of tax. Money market funds are compounded monthly; bills, bonds, deposits and SACCO returns are worked out as simple interest. Your actual return will differ.
The tool starts with the 11% deposit rate. To estimate the dividend on your share capital, change the rate to 16%. A 5% withholding tax applies to Sacco dividends and interest, and the calculator deducts it by default.
Stima Sacco Dividend History
| Financial year | Dividend on share capital | Interest on Alpha deposits |
|---|---|---|
| 2025 (paid 2026) | 16% | 11% |
| 2024 (paid 2025) | 16% | 11% |
| 2023 (paid 2024) | 15% | 11% |
For 2025 the Sacco said the 11% rebate came to KSh 4.32 billion on deposits that had grown to about KSh 52.1 billion, while the 16% dividend totalled KSh 788.7 million on share capital of about KSh 5.5 billion. The board linked the payout to a 2.5% rise in net profit to about KSh 2.2 billion, helped by a 17.1% cut in administrative costs. The rates were unchanged from the year before.
What It Means for a Member
A member who held KSh 200,000 in Alpha deposits through 2025 and KSh 25,000 in share capital would have earned about KSh 22,000 in interest and KSh 4,000 in dividends before tax. After the 5% withholding tax, that is roughly KSh 24,700. Because Saccos usually work out deposit interest on monthly balances, money saved in January earns more than money added in December.
Alpha Deposits, Prime and Share Capital
Every new Stima member gets three accounts:
- Prime account: a transactional account you can use like a current account.
- Alpha deposit: non-withdrawable savings that earn the yearly interest rebate and act as the multiplier for how much you can borrow.
- Share capital: your ownership stake, which earns the dividend. Stima says share capital is non-refundable; Alpha deposits are refunded when you leave, provided you have no outstanding or guaranteed loans.
How to Join Stima Sacco
Membership is open to Kenyans at home and abroad, individuals, groups and businesses, not only power-sector staff. Stima lists these entry amounts:
| Category | Registration | Share capital | Minimum monthly savings |
|---|---|---|---|
| Imara (employees on check-off) | KSh 500 | KSh 25,000 | KSh 1,000 |
| Meridian (individual employees) | KSh 500 | KSh 25,000 | KSh 1,000 |
| Business persons | KSh 500 | KSh 25,000 | KSh 500 |
| Diaspora | KSh 500 | KSh 25,000 | KSh 1,000 |
Individuals need the application form, a copy of the national ID or Kenyan passport, a colour passport photo and a KRA PIN. Diaspora applicants also attach proof of residence abroad. Groups such as chamas need at least four members, a registration certificate, the group’s constitution and minutes resolving to join.
Paying In by M-Pesa
Stima’s paybill is 823244. Your account number starts with a prefix and ends in 00 around your seven-digit member number: 802 for monthly Alpha deposits, 800 for share capital and 801 for the Prime account. For example, member number 1234567 paying deposits would use 802123456700.
Contacts
Stima Sacco Plaza, Mushembi Road, Parklands, Nairobi. Phone 0703 024 000 or 0703 024 001; email customercare@stima-sacco.com. Before joining any deposit-taking Sacco, confirm its licence with our SASRA Sacco checker, and compare its returns with other options on the investment returns calculator.
If you are weighing a Stima loan against your deposits, work out the monthly repayment first with our Stima DT Sacco loan calculator.
Frequently Asked Questions
What dividend did Stima Sacco pay for 2025?
16% on share capital and 11% interest on Alpha deposits, approved at the 2026 AGM.
What is the minimum share capital at Stima Sacco?
KSh 25,000, plus a KSh 500 registration fee.
Can I withdraw my Stima Alpha deposits?
Not while you remain a member. They are refunded when you exit, as long as you have no outstanding loans or guarantees.
What is Stima Sacco’s paybill number?
823244, with your member number inside the account format shown above.
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